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Instant Funding to a Debit Card
Skip the ACH queue. Where your issuer supports it, we push the funds to your debit card and they normally land within minutes of you signing.
ACH is the standard way loans are funded in the United States, and it is not fast. The transfer leaves us the same day, then your bank decides when to post it, which can mean the following morning. Debit card funding skips that queue: where your card and issuer support it, the money is pushed straight to the card and usually lands within minutes.
| Key loan information | Details |
|---|---|
| Loan amount | $200 – $5,000 |
| Funding speed | Typically minutes once you e-sign |
| Card type | Visa or Mastercard debit issued in your name |
| Availability | Depends on your issuer supporting instant deposits |
| Cost | No additional charge from us |
| Fallback | Standard ACH to your checking account |
| Hours | Available outside banking hours, including weekends |
How it works
- Apply as normal and choose debit card funding at the offer stage.
- Enter the debit card in your name linked to the checking account we verified.
- We check instantly whether your issuer supports a push-to-card deposit.
- If it does, funds are sent immediately after you e-sign, normally arriving within minutes.
- If it does not, we fall back to ACH automatically and nothing is delayed.
What to check on your side
- The card must be a debit card, not a credit card. Credit cards cannot receive a loan deposit.
- It must be in your name and linked to the account we verified.
- It must not be expired, frozen or reported lost.
- Some issuers apply a daily limit on incoming pushes, which can split a larger amount.
Repayment still runs through your bank
Funding to a card does not change how you repay. Payments are drafted by ACH from the checking account on your agreement, on the dates printed there. If you would rather pay another way, see the help center.
If instant funding is not available
Standard ACH still means same business day release when you accept before 11:00 a.m. ET, with most accounts posting within hours. See same day loans for the full timeline, or prepaid card deposits if you do not hold a traditional checking account.
Frequently asked questions
How fast is debit card loan funding?
Usually minutes. Where your issuer supports push-to-card deposits, funds are sent immediately after you e-sign rather than going through the ACH network, which can take until the next morning to post.
Does instant debit card funding cost extra?
No. We do not charge anything for it. Whether it is available depends on your card issuer supporting instant deposits.
Can I have a loan deposited to a credit card?
No. Only a debit card in your name can receive a loan deposit. Credit cards cannot receive a push deposit of this kind.
What happens if my card is not eligible?
We fall back to standard ACH into your checking account automatically, at no extra cost and with no delay to the decision. Accepting before 11:00 a.m. ET on a business day still means same-day release.
Borrow $200 to $5,000 for any purpose
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